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Name: David Mainwaring

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Do not rely on Lloyds Bank (bundle) Travel Insurance

Lloyds Bank are in Breach of about 75% of the Insurance Intermediary Regulations They refuse point Blank to provide a copy of the Insurance Policy Their Benefit Summary is full of errors omissions and ambiguities, many would consider it to be a fraudulent document. The following are the hurdles to clear to claim for a travel accident 1. You must have been travelling on a public conveyance when the accident happens. 2. You require to have a hand or foot amputation in order to claim 3. If you claim against any other clause in the Benefit Summary a claim for a travel accident will not be paid. The insurance regulations require Lloyds Bank International IOM to have a professional Indemnity policy but they do not have it. The regulations require Lloyds Bank's Insurance Intermediary select the best policies available and to visit/speak to the client and to offer the client the most suitable policy Lloyds Bank don't appear to employ insurance intermediaries. No one spoke to me about the travel insurance in advance. the policy in the bundle was not suitable to my needs, The Bene fit summary does not detail any claims procedures and Lloyds did not supply any claims assistance . To indicate how helpful Lloyds Bank can be. They receive my letters, they read them, take note of them and file them but do not reply to them. There is a refusal to pay for a genuine travel accident which required 5 operations on a right arm a multitude of hospital visits and which is paralysed after 3 years of treatment. Reviewed on: 25th October 2016